论我国商品房按揭中银行权益之保障.pdfVIP

暨南大学硕士论文 论我国商品房按揭中银行权益之保障 内容摘要 我国商品房抵押消费贷款增长很快，到 2008 年底，我国商品房贷款已达 3 万亿人民币，占 GDP 12%左右。受国际金融风暴的影响，商品房按揭贷款违约 风险已有抬头趋势，一旦房价大幅波动，容易引发商业银行不良贷款的激增。目 前，我国关于银行按揭风险机制不完善，加之房地产金融体制脆弱，使得银行在 房地产按揭中的权益暴露在风险之中，加强对银行按揭贷款的风险防控正当其 时。 在我国，关于按揭的明确立法尚属空白，银行按揭风险主要源自微观管理、 国家宏观政策和法律三个层面。对于微观管理产生的风险防控，银行不仅要完善 相关程序和制度，更要把制度理念切实的落实到具体的行为之中。而源自于国家 宏观政策、法律层面的风险，则可以通过保险或合约的条款设计分散风险。房地 产业为我国支柱性产业，按揭贷款中银行的权益保护已不是单纯的民法之债问 题，它还关系到社会的基本生活和金融的稳定，国家应该加强房地产按揭贷款的 宏观调控，完善我国的房地产金融体系，以实现按揭贷款中银行权益的有效保障。 关键词: 按揭；银行债权；法律风险 I 暨南大学硕士论文 论我国商品房按揭中银行权益之保障 Abstract In our country, the real estate mortgage loans business has developed with high speed in recent years and by the end of 2008, Chinas real estate loans has reached 3000 billion yuan, accounting for about 12% of GDP. With the outbreak of the international financial crisis, the borrower defaulting risk of real estate mortgage loan has been the rise of the trend, bank’s non-performing loans would surge if real estate price fluctuated. At present, the imperfect mechanism of the mortgage loan and the weak financial systems of real estate makes real estate mortgage banking interests at risk. Therefore, it’s time to strengthen risk control of mortgage loan. At present, legislation on the mortgage is still a clear gap, the risk of bank mortgage is mainly from three aspects: micro-management, national macroeconomic policies and laws. To control the risk of Micro-management, banks should not only improve the relevant procedures and systems, but also to the concept of the effective implementation of the system to the specific acts are. And derived from the states macroeconomic policies, laws, levels of risk, you can through i